Valuable Items Insurance 

Valuable Items Insurance for Jewelry, Art & Collectibles in California

Your home insurance might cover your furniture and electronics—but what about your grandmother’s wedding ring or that limited-edition artwork hanging in the hallway? If it’s special enough to insure, it deserves more than just basic coverage. That’s where valuable items insurance comes in.



At Derian Insurance, we help clients throughout Los Angeles and across California protect their most prized possessions—from vintage watches to engagement rings—with scheduled personal property coverage that fills the gaps standard homeowners policies leave behind.

Woman smiling, looking at pastries in a glass display case at a cafe.

Why Your Home Policy Isn’t Enough

A standard homeowners or renters policy typically includes only limited coverage for high-value items, and those limits often apply only in specific scenarios (like theft—not accidental loss). For example, most home policies cap jewelry coverage at $1,500—which won’t come close to covering a $10,000 diamond ring or a fine art collection.


Valuable items insurance can cover:

Two intertwined rings with a diamond and hearts.

Engagement rings, wedding bands & other jewelry

A framed picture hanging on the wall, displaying a landscape scene.

Fine art, sculptures, or gallery pieces

Black and white illustration of a wristwatch.

High-end watches & designer accessories

Black vase being examined with a magnifying glass.

Antiques, heirlooms & collectibles

Stack of black and white coin-like shapes.

Rare coins, stamps, or memorabilia

Black silhouette of a guitar, drum set, and drum.

Musical instruments

This specialized coverage offers all-risk protection, often with no deductible, and includes things like mysterious disappearance, which standard policies typically exclude.

Black diamond icon with sparkle effect.

How Scheduled Personal Property Coverage Works

When you schedule an item, you and the insurer agree in advance on its value—usually based on an appraisal or bill of sale. If something happens to that item, the policy pays up to the agreed amount, no guesswork or depreciation involved.

Benefits include:


  • Agreed value coverage (so there’s no haggling at claim time)
  • Coverage for accidental loss (dropping a ring down the drain)
  • Worldwide protection (whether it’s lost in LA or while traveling abroad)
  • Low or no deductible (depending on the insurer and policy structure)

Why Choose Derian for Valuable Items Insurance

We don’t just plug numbers into a system. We’ll walk you through the appraisal process, explain what items make sense to schedule, and help you review your current homeowners coverage so nothing’s overlooked. Whether you’re insuring a family heirloom in Pacific Palisades or a collector’s watch in Westwood, we’ll make sure you’re covered properly—and affordably.



We work with top carriers offering specialized coverage for high-value items and can often bundle this protection into your existing policy setup.

Common Questions About Insuring Valuables

  • Is my $10,000 engagement ring covered under my home insurance?

    Not fully. Most home policies cap jewelry theft coverage at $1,500–$2,500. A scheduled jewelry policy ensures it’s covered up to its appraised value for theft, loss, and damage.

  • Do I need an appraisal to insure jewelry?

    Yes, for most scheduled items, insurers require a recent appraisal or detailed receipt. We’ll help you navigate this process and recommend trusted appraisers if needed.

  • Does this coverage protect against mysterious disappearance?

    Yes, unlike standard home policies, scheduled valuable items coverage can include mysterious disappearance—which means you’re covered even if the item is simply lost.

  • Can I cover just one or two items, or do I need to insure my whole collection?

    You can schedule just a single piece—like a ring or a rare painting—or multiple items. The coverage is customizable to your needs and budget.

  • Will this increase my homeowners insurance premium significantly?

    Usually not. Because the coverage is for specific, scheduled items, the added premium is typically small compared to the value protected.

Protect What Matters Most—Even Beyond Your Home

Whether it’s a wedding ring, inherited jewelry, or one-of-a-kind art, valuable items insurance offers the peace of mind your prized possessions deserve. Let us help you make sure they’re covered—not just in theory, but in practice.



Contact Derian Insurance for a personalized quote on scheduled personal property coverage today.